Please help! This outrageous ...I'm so lost ..should I sue?
Hi,So I was in the middle of purchasing a house , a lot of back and forth at the beginning in terms of agreeing with the seller, about the price and closing arrangements, very tough guy to deal with......
View ArticleIRS payment with credit card - Non-purchasing spouse
Can I, as the non-purchasing spouse (I am not on the mortgage), make a payment on our IRS taxes with a credit card and not hurt our loan approval? The card is only in my name and my husband will be the...
View ArticleNew Fannie Mae guidelines - what does this mean?
Here is the info from the Fannie Mae website: Collections, Charge-Offs of Non-Mortgage Accounts, Judgments, and LiensPublished August 29, 2017 Delinquent credit—including taxes, judgments,...
View ArticleWe closed on our house two days ago
I just wanted to thank this forum. I haven't post much, but I am always on here looking for advice. My hubby and I closed on our house two days ago and I am over the moon. Back in March of this year,...
View ArticleCivil Judgment dropped from CRA and LO told me I was absolutely fine Not so...
Everything was going fine with our FHA loan. We had a Cook County Law Magistrate Civil Judgment drop from all three CRAs back in July. This was associated with our foreclosure (condo association that...
View ArticleVa loan income
Does anyone know if this is really accurate? 7,300 income/monthly. 400/mo car payment 150/credit cards monthly Maximum Mortgage Payment:(Principal and Interest)$2,300.00 /moYour Estimated Taxes &...
View ArticleFHA loan after HOA foreclosure? double foreclosure????
Updated after some research. When LOs first looked at my reports, they said everything looked fine. Note: according to public records, I don't have any judgments against me. What I do have is an...
View ArticleCan a loan pro explain is this new Fannie Mae guideline?
Here is the info from the Fannie Mae website: Collections, Charge-Offs of Non-Mortgage Accounts, Judgments, and LiensPublished August 29, 2017 Delinquent credit—including taxes, judgments,...
View ArticleWho to get a loan from?
I'm sure this question has been asked, but I didn't see it. I'm looking for advice finding a lender. I'm currently renting but am looking to move to the Carolinas and buy a home within the next 3-8...
View ArticleMortgage score versus fico 8
Can anyone shed some light on why my fico 8 goes up 25 points but my fico 2.4.5 havent budged? Im trying to by a house and this checkign every 2 minutes is for the birds!
View ArticleWhen to start the process with a va loan.
We are about 2 years out from buying a home. 70% disabled vet here. No funding fee, 5k tax exemption in my area. I'm still working on my credit about a year to 18 months and I should be golden. My fico...
View ArticlePurchases during Escrow
Hello. So my husband and I are purchasing our first home and are currently in Escrow with our closing date set for September 12th. We have gone out and bought some furniture and appliances for the...
View ArticleFHA DTI Limit Questions
I am currently awaiting my new home construction to be ready and I have about 2 months or less before it is ready. I was doing some research recently and came across the FHA DTI limits which have me...
View ArticleWhich mortgage route would you choose?
Navy Federal Credit Union (NFCU) or a local mortgage company? Yes, I'm a member of NFCU. However, I never served, so I don't have other military benefits like access to a VA loan.I know these aren't my...
View ArticleCollection Reinsertion
Hello All, I'm in a bind and I need some help. 6 1/2 years ago I defaulted on 2 BOA CCs. One was $20K and the other was $2K. They are scheduled to fall off the credit reports in Jan 2018. They were...
View ArticlePre-qualified should I?
Hi, I talked to the mortgage officer today. She was so sweet. She suggested I let her pull my credit so we can do a workout plan inorder to make sure I get qualified when I apply in Feb/March 2018..is...
View ArticleDemand Feature
Can someone help me understand a closing disclosure feature. I have a closing disclosure where "Demand Feature" is checked on the loan having a demand feature. Is this a common practice, or should I be...
View ArticleJudgment from foreclosure
Wondering if anyone has any experience with this. We lost our home to foreclosure in 2012, and the bank obtained a judgment for the full amount of the loan (258k). The home subsequently sold for...
View ArticleHow do I find out if HOA was satisfied at bank sale? Where to look?
After days of investigating, after almost being approved for an FHA (long story), it has come to my attention that the eviction judgment that happened before the bank foreclosed on me was likely paid...
View ArticleFHA cashout poor credit
Afternoon. I have been working on rebuilding my credit after having spoke medical issues a few years back that got me behind. I had a long string of late payments on my mortgage but I have been current...
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